Although New Mexico has some of the highest rates of uninsured residents, it also provides extensive public health care funding, and has some of the cleanest air quality in the nation. If you are one of the people that constitutes the approximate 22% of New Mexico’s uninsured population, you may want to rethink your stance on health insurance and begin comparing plans and rates to find suitable coverage before developing a condition that could significantly increase the cost or difficulty of obtaining health insurance coverage.
The state of New Mexico provides assistance to individuals that have household incomes below the poverty level, and to those that are considered to be high risk in that they are unable to obtain an insurance policy due to a pre-existing medical condition that renders them uninsurable.
Perhaps the easiest way to find a health insurance policy that is suitable for your medical needs and budget is to contact the medical assistance division of the human services Department of New Mexico. This office should help you find all the necessary resources and information needed to obtain ideal health insurance coverage.
If you have not yet attempted to apply for health insurance policy, and you do not have any serious pre-existing conditions, it may be easier for you to simply utilize one of the many insurance plan comparison sites available online. Alternatively, you could find a local insurance company in the Yellow Pages and contact them for a consultation regarding your needs.
Although the cost of health insurance plans typically increases for individuals that are smokers or have a history of health problems, it is not a good idea to lie on an application, as insurance companies can obtain medical information from doctors and would have the right to cancel your policy if any discrepancies were found.
It should also be noted that it is easier for a younger person to lock in a cheap health insurance rates, especially if they are in considerably good health, as these individuals carry the lowest risk of claims for insurance companies. Thus, although the process of researching and applying for a health insurance policy may be somewhat intimidating to a young adult, it is more cost-effective to obtain coverage at a younger age before any health problems develop.
If you’re having trouble obtaining or affording health insurance policy from a conventional insurance company, you may need to resort to contacting one of the many state government assistance programs available in New Mexico, such as the New Mexico Medical Insurance Pool.